Restaurant insurance in Liverpool

Liverpool's restaurant scene has grown into one of the city's attractions, much of it concentrated in the busy centre and along the waterfront. Premises in a major city centre carry an exposure most would rather not think about.

Where the risks come from for Liverpool restaurants

A terrorist incident in a city centre can damage nearby restaurants and shut a whole district for days, and standard commercial policies typically exclude terrorism, leaving it to be covered separately. For a leasehold restaurant, the lease may even require terrorism cover to be in place.

A Liverpool example

A security incident in Liverpool city centre closes the surrounding streets, and a restaurant there is both damaged and unable to trade for several days. Terrorism cover, arranged separately from the main policy, responds to the damage and the interruption, which the standard cover would exclude.

What restaurant insurance covers

Terrorism cover is a separate arrangement from a standard restaurant policy, which usually excludes the peril, and it may be required under a commercial lease. It responds to damage and interruption from a terrorist act, alongside the property and business-interruption covers.

Placing it in Liverpool with Apex

We make sure a city-centre restaurant knows whether terrorism is covered and, where it is needed or required, arrange it properly. Apex arranges Liverpool hospitality cover through one named broker. Regulated by the FCA; established 2009.

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• Public liability insurance Liverpool
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